Rectory Lane, Rock, Kidderminster

A fantastic opportunity to purchase a modern home, being sold on a part buy, part rent basis. Initially the new owner can purchase a 50% share with the option to buy more after one year.

An excellent opportunity to step onto the property ladder, this modern three bedroom terraced home is offered on a 50% shared ownership basis with the option to staircase to full ownership after one year. The monthly rent on the remaining share is £274.26.

The ground floor offers an entrance hall, with modern wooden flooring and a large under stairs cupboard with shelving, a bright dual-aspect living/dining room, and a well-arranged kitchen/breakfast room with good storage and access to a lean-to and the rear garden. Upstairs are three well-proportioned bedrooms and a family bathroom with a white suite and overhead-shower bath, with the primary and second bedrooms providing generous space.

Outside, there’s a sizeable rear garden with lawn, established hedging, and useful outbuildings, plus parking at the rear. Altogether, it’s a practical home with appealing outdoor space in a village setting.


- A bright and well arranged three bedroom terraced home with balanced accommodation.

- Attractive living and dining areas with a modern kitchen and well proportioned bedrooms.

- Large rear garden with lawn, established planting and outbuildings.

- Parking located at the back of the property.

- Situated close to village amenities, schools and transport connections.


Qualification elegibility criteria
Applicants are not eligible to join the Home Choice Plus housing register unless they met the qualifying criteria of a close association outlined below;

In determining whether the household has a close association we will agree a connection exists in the following circumstances;

- Where the local connection arises due to residency the applicant(s) must have lived in the partnership area (by choice) for a minimum period of two years.

- Where the applicant(s) meets any of the statutory homelessness definitions included in the allocations policy.

- Where the local connection arises due to employment and the applicant(s) have been in permanent, paid employment for a minimum period of six months, within one of the Local Authority areas included in the Partnership, immediately prior to the application (please see further information below).

- Where the applicant(s) has a close (immediate) family member living in the HC+ partnership area and has done so for a minimum period of five years, immediately prior to the application (please see further information below).

- Where the applicant has resided in the Partnership area for three out of the last five years at the point of application.


Eligibility
To be eligible for shared ownership you:

- Need to be over the age of 18.
- Be unable to buy on the open market.
- Not already own a property (unless in exceptional circumstances).
- Be able to raise a mortgage to cover the share you wish to purchase.
- Be able to afford to pay the remaining rent and bills etc.
- Have enough saved to cover the mortgage and legal fees and any additional moving costs.
- Do not earn in excess of £80,000 per annum.
- Be registered on HomeChoice plus Housing Register. You can apply online at


How to apply
To apply for one of the Community Housing Group properties you need to complete an application form and an income and expenditure statement:

- Application.pdf (communityhousing.co.uk).
- IncomeAndExpenditure.pdf (communityhousing.co.uk).

You need to provide documents to support your application, please use the checklist to ensure you have provided everything that is applicable:
- ApplicationChecklist.pdf (communityhousing.co.uk)
- Register on our housing register

You will then be issued with a letter which we will require sight of, then email your supporting documents to

The Community Housing Group will then assess your application. This normally takes around a week. A financial assessment will need to be undertaken by our nominated financial advisor prior to your application being assessed.


The kitchen and breakfast room
The kitchen and breakfast room offers a well arranged setting with generous work surfaces, fitted cabinetry and space for appliances. A window looks over the rear garden and a door provides direct access outside. The practical layout supports everyday cooking and dining with a clear connection to the rest of the ground floor, creating an inviting area for household use and informal meals.


The living and dining room
The living and dining room spans the length of the property and provides an inviting and versatile setting suited to both daily life and entertaining. Windows at the front and rear enhance the overall sense of space while the well balanced proportions allow for defined areas for dining and relaxing. Modern wooden flooring adds to the room’s appeal and there is potential to reopen the bricked up fireplace, creating further possibilities for the space.

Positioned centrally on the ground floor and directly connected to the hall and kitchen, it forms an appealing hub of the home where a variety of arrangements and uses can be comfortably accommodated.


The primary bedroom
The primary bedroom presents a well proportioned and inviting space with a pleasant outlook through a wide window. Its shape allows for a comfortable arrangement of bedroom furnishings while offering a calm environment suited to rest and relaxation. Positioned at the rear of the home, it provides a peaceful setting that enhances its appeal as a main sleeping area and contributes to the balanced layout of the first floor.


The second bedroom
The second bedroom provides a bright and well arranged space with a wide window that introduces generous natural light and an outlook over the frontage. Its layout supports a comfortable bedroom setup and offers flexibility for various uses including a guest room or dedicated study. Positioned on the first floor close to the landing and bathroom, it forms a practical and appealing part of the home’s upper level.


The third bedroom
The third bedroom presents a practical and welcoming space suitable for a variety of uses. A wide window provides an open outlook and helps create a comfortable setting throughout the day. Its layout offers flexibility for a home office, guest room or hobby room, making it a valuable addition to the first floor. This room enhances the home’s overall functionality and provides an appealing extra option for modern living.


The family bathroom and WC
The family bathroom and separate WC are positioned on the first level, providing practical convenience for daily routines. The bathroom includes a fitted bath with shower and a washbasin, supported by a window for ventilation. A large airing cupboard containing the hot water tank sits off the landing and offers valuable storage. The separate WC adds further privacy, creating an efficient arrangement that serves the upper floor well.


The garden
The garden provides an impressive outdoor setting that stretches far beyond the immediate patio and offers a wide variety of useful spaces. Directly behind the house is a paved terrace that creates an inviting area for outdoor seating and easy access to the property. Steps lead to a series of lawned sections, which weave around an apple and pear tree and are bordered by established hedging which offer clear definition and a pleasant outlook.

Throughout the garden there are pathways, planted areas and a brick shed that adds valuable storage. The plot continues well beyond the main garden into an additional open area that provides further scope for recreation or gardening. This extensive arrangement creates a superb environment for those seeking generous outside space with excellent potential. The property also benefits from practical parking to the rear for multiple vehicles, accessed from a private lane behind the row of properties. Off-road parking in a lay-by is also available at the front for several vehicles.


Agent Note
The property is leasehold with 99 years remaining on the lease. There is an option to purchase a 50% share of the property, in which case a rent of £274.26 per calendar month would be payable on the remaining share.

Location
45 Rectory Lane sits within a well regarded village environment that offers a convenient blend of amenities and community facilities. Local shops, eateries and everyday services are within easy reach, ensuring essentials are close to hand. The surrounding area provides access to pleasant countryside walks, green spaces and recreational opportunities that contribute to the appeal of village living.

Families benefit from access to nearby schools that cater for a range of ages, making the location well suited to those seeking educational choice close to home. Public transport links offer connections to surrounding towns and further destinations, supporting both commuting and leisure travel. Road links also provide straightforward access to wider networks, making journeys by car simple and efficient.

The village atmosphere is complemented by local organisations, parks and community activities that encourage engagement and a welcoming feel. This setting combines accessibility with a peaceful pace of life, offering a desirable location for those seeking comfort, convenience and a strong sense of community.

Services
The property benefits from mains electricity, water and drainage.

Council tax band C

Reservation Fee - refundable on exchange

A reservation fee, refundable on exchange, is payable prior to the issue of the Memorandum of Sale and after which the property may be marked as Sold Subject to Contract. The fee will be reimbursed upon the successful Exchange of Contracts.

The fee will be retained by Andrew Grant in the event that you the Buyer withdraws from the purchase or does not Exchange within 6 months of the fee being received other than for one or more of the following reasons:

1. Any significant material issues which individually are more than 1% of the agreed purchase price and are highlighted in a survey and were not evident or drawn to the attention of you, the Buyer, prior to the Memorandum of Sale being issued.
2. Serious and material defect in the seller’s legal title.
3. Local search revealing a matter that has a material adverse effect on the market value of the property that was previously undeclared and not in the public domain.
4. The vendor withdrawing the property from sale.

The reservation fee will be 0.5% of the accepted offer price for offers below £800,000 and 1% for offers of £800,000 or over. This fee, unless specified otherwise, is payable upon acceptance by the vendor of an offer from a buyer and completion of an assessment of the buyer’s financial status and ability to proceed.

Should a buyer’s financial position regarding the funding of the property prove to be fundamentally different from that declared by the buyer when the Memorandum of Sale was completed, then the Vendor has the right to withdraw from the sale and/or the reservation fee retained. For example, where the buyer declares themselves as a cash buyer but are in fact relying on an unsecured sale of their property. The reservation fee will not be refunded where there is an inability on the part of the Buyer to raise any required mortgage after the Memorandum of Sale is completed.

Once the reservation fee has been paid, any renegotiation of the price stated in the memorandum of sale for any reason other than those covered in points 1 to 3 above will lead to the reservation fee being retained. A further fee will be levied on any subsequent reduced offer that is accepted by the vendor. This further fee will be subject to the same conditions that prevail for all reservation fees outlined above.